Discrimination in housing and lending practices, such as redlining and predatory lending, has historically prevented Black and other marginalized communities from accumulating wealth and building assets.

The combination of lack of affordable housing, inadequate access to healthcare, and limited educational opportunities creates a cycle of poverty that is difficult for families to break out of.

Mass incarceration has devastating consequences for Black and Latinx communities, leading to family disruption, reduced employment opportunities, and higher rates of recidivism, all of which contribute to economic insecurity.

Racial capitalism refers to the exploitation of racial groups for economic gain and the system that perpetuates racial inequality through economic structures.

Affirmative action programs, which aim to address historical discrimination and promote equal opportunities, have been effective in reducing racial disparities in wealth accumulation.

Black women experience a larger pay gap compared to white men, and Latinx women face a wider pay gap compared to white women, highlighting the intersectionality of gender and race in economic disparities.

Addressing racial disparities in economic security is crucial for promoting social justice, enhancing economic growth, and reducing crime and social unrest.

Unequal access to quality education, differences in educational attainment, and discrimination in educational institutions all contribute to racial disparities in economic security.

Residential segregation, lack of transportation infrastructure, and discrimination in hiring practices are systemic issues that limit job opportunities and economic mobility for marginalized communities.

The criminal justice system contributes to racial disparities in economic security by leading to job discrimination, disrupting families, and creating barriers to education and employment for formerly incarcerated individuals.

Economic justice aims to eliminate racial disparities in economic outcomes and promote equal access to economic benefits for all individuals.

Policies that address racial disparities in economic security can contribute to overall economic growth by increasing consumer spending, promoting innovation, and reducing crime.

Community-based organizations play a crucial role in addressing racial disparities in economic security by providing support, advocating for policies, and empowering communities.

The private sector can contribute to reducing racial disparities in economic security by implementing fair hiring practices, investing in diverse communities, and supporting policies that promote economic justice.

Intersectionality is crucial for understanding racial disparities in economic security as it recognizes the overlapping identities and experiences of individuals, highlights unique challenges, and informs policy interventions.